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June 1, 2023

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A Medicare Supplement plan helps fill the gaps in Original Medicare.

In Original Medicare, you generally pay some of the costs for approved services. Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs.

When choosing the best Medicare Supplement (Medigap) plan in Florida, you'll need to select both a good insurance company, the plan that has the best coverage and the lowest premium to meet your needs.

Medicare doesn’t put a cap on out-of-pocket costs. If you want coverage for most of your out-of-pocket expenses, a comprehensive policy might fit your needs. If you don’t have a lot of health needs, a lower-cost policy might be best. Here are some questions to think about:

  • Do your medical needs require frequent doctor's office visits or skilled nursing care?  You may need a plan that covers 100% of your coinsurance for those services.
  • Do you anticipate any extended hospital stays? You may want a plan that covers your Part A coinsurance and deductible.
  • Do you travel overseas often? Choose a plan that has foreign travel benefits. Most Florida Medigap policies cover qualifying emergency care overseas.

What Are the Most Popular Medigap Policies in Florida?

Medigap policies F, G and N  are typically the most popular options. In the Sunshine State, about 922,000 enrolled in Medicare Supplement plans. Of that group, almost eight out of 10 opted for Plan F, G or N.

Medigap Enrollment in Florida

Plan TypeEnrolled (Rounded)Percent of Total Enrolled
Plan F578,00063%
Plan G47,0005%
Plan N82,0009%
Source: The State of Medicare Supplement Coverage. ahip.org. Accessed October 22, 2021. Data is for Medigap enrollment in 2019, the most recently available year.
  • Plan F pays all your Medicare out-of-pocket costs, which usually makes it the most expensive. But there’s a high-deductible version of Plan F that has lower monthly premiums. Plan F is not available to people who qualify for Medicare on or after January 1, 2020. 
  • Plan G pays for all the same benefits as Plan F, except for the Part B deductible ($233 in 2022). Plan G has become more popular since newly eligible beneficiaries can’t buy Plan F. Plan G also has a high-deductible option.
  • Plan N covers nearly all the same benefits as F and G, except that it doesn’t pay for the Part B deductible or the Part B excess charge.

What does a Medigap plan cost?

In paying for many healthcare items and services, Medicare Supplement plans share the cost of care through deductibles, copayments and coinsurance. The cost varies by plan.

Your Medicare Supplement plan costs include:
  • Deductible - The amount you pay before Florida Blue begins to pay its share of the cost.
  • Copay - A flat dollar amount (for example, $10) you pay each time you receive care.
  • Coinsurance - A percentage (for example, 10%) you pay for your care after you meet your deductible.
  • Premium - A fixed, monthly amount you pay for your Medicare supplement plan coverage.

Have questions about Medicare Supplement (Medigap) plans?  Request a call from a licensed agent.

By providing the information above and clicking the Submit button, you consent to receive marketing and sales calls, and emails, at the contact information you provide, from Florida Blue or a licensed insurance agent about Florida Blue plans, products, and services including calls made using an automated telephone dialing system, a prerecorded or artificial voice message, or both and even if the number provided is listed on a national or state Do Not Call registry. Your consent is not required as a condition of making a purchase.

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Talk to us: (833) 265-9655 

Medicare brokers such as Lehigh Partners get paid by the insurance companies they represent. And you pay exactly the same rate for your insurance if you use a Medicare consultant (broker). There is no extra fee or cost for enrolling through a broker. You will never pay a fee for our help.

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